4 Things You Absolutely Should Not Do After You Apply for a Mortgage

If you have a good credit history and are prepared to invest in a home, you may be feeling pretty confident about the mortgage process. However, it’s important to be aware that there are things that can have a negative impact on your application. Whether you’ve just submitted your documents or are getting close to it, here are some things you may want to avoid.

Acquiring New Credit

It may seem silly that something as minor as a new credit card can be a mark against your credit, but applying for new ones can be a bad sign to lenders. The problem is that this can be signal an unmanageable debt load, so you may be considered a high risk for not being able to make your payments.

Forget To Pay Your Bills

It’s easy enough to get lulled into the feeling that your mortgage application will be approved, but this doesn’t mean that you should forget your financial responsibilities. If you’ve had poor credit in the past and neglected paying your bills on time, now is not the time to do this. Instead, ensure that you’re paying all bills and any applicable minimum payments in advance of the due date so your credit score is not impacted.

Close Old Credit Cards

Many people think that closing out old credit cards can be a positive financial step forward and a good way to streamline their finances, but this can cause damage to your credit score. Because closing a credit card will change your available balance and bump up your debt load, it may mean that your debt percentage will increase. Instead of risking this, leave them active until you’ve received approval.

Quit Your Job

Few people will have the ability to quit their job when they’re applying for a mortgage, but doing this or incurring other fluctuations in your monthly income can cause problems with your application. If you are self-employed, there may be peaks and valleys in your finances, but a huge shift in what you bring home can show lenders that you’re not a solid bet.

There can be a lot of stress that comes along with the mortgage application process, but by paying your bills on time and staying on top of your payments, you can avoid negatively impacting your approval.   To start your home search, give me a call – J.P. Cook – 602-320-4253.

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3322 E Riverdale Street Mesa, AZ 85213

$649,900

5 Beds

3 Baths

2,294 SqFt

Status Active

MLS # 6776919

Property Type Single Family Residence

Price Type --

Welcome to the gated Community of Lehi Crossing! This beautiful residence greets you with a 2-car garage, an eye-catching stone facade, and a well-kept yard. Discover an inviting great room with high ceilings, a soothing palette, recessed lighting, plantation shutters, and attractive wood-look flooring. The gourmet kitchen comes with quartz counters, abundant white shaker cabinets with crown moulding, a subway tile backsplash, sleek SS appliances, and a center island. The main bedroom offers plush carpeting, an ensuite with dual sinks, a raindrop shower, and a walk-in closet. Enjoy breathtaking sunsets in the enchanting backyard, showcasing a covered patio, artificial turf, a relaxing spa, and a refreshing pool for cooling down on hot summer days. Make this gem yours today!

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19852 W Heatherbrae Drive Litchfield Park, AZ 85340

$649,900

4 Beds

3 Baths

2,651 SqFt

Status Active Under Contract

MLS # 6741804

Property Type Single Family Residence

Price Type --

TWO HOMES IN ONE. - 3 bed, 2 bath (1,967 sq ft) Main Home with an attached 1 bed, 1 bath Casita/Guest Suite (682 sq ft) with full kitchen, separate entrance and 1 car garage, all on one level. Ideally suited for extended family/in-laws, Guest Suite or fantastic separate work at Home Office. Tile floors throughout (no carpet), Slide out shelves in the kitchens and baths; Overhead storage racks in garages, ceiling fans, reverse osmosis and soft water systems. Extended patio with beautiful marble pavers, landscaped backyard with low maintenance synthetic grass.,

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15022 S 47th Way Phoenix, AZ 85044

New

$649,900

3 Beds

2 Baths

1,846 SqFt

Status Active

MLS # 6779349

Property Type Single Family Residence

Price Type --

Beautifully and meticulously renovated single level home with awesome designer touches throughout! Huge kitchen granite island, amazing new cabinets, upgraded SS appliances. Open and bright with high ceilings huge windows dual plantation shutter, and awesome slider from living/ large family room and master bedroom to outside patio and beautiful pebble tech pool! Perfect changes to floorplan expanded kitchen and master with upgrades galore! Large private backyard is perfect for entertaining, kids and pets! Lush landscaping, firepit and covered patio- great extension of family room area. Great location on large cul-de-sac in this popular Ahwatukee area with no HOA. Close to great shopping, restaurants & cafes, plus minutes to freeway and airport.

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8815 W Carole Lane Glendale, AZ 85305

$649,900

6 Beds

3 Baths

3,408 SqFt

Status Active

MLS # 6637555

Property Type Single Family Residence

Price Type --

WELCOME TO YOUR DREAM HOME OVER 3408 SF. 6 BEDROOMS AND 3 BATHROOMS.FOLLOW THROUGH TO THE AMAZING LIVING SPACE AND BEAUTIFUL KITCHEN WITH GRANITE COUNTERS, GREAT DINING AREA, LOVELY MASTER WITH EN SUITE BATH.LARGE BACKYARD WITH PEBBLE TEC POOL. ONE MINUTE FROM CARDINALS' STADIUM, ONE MINTE FROM WEST GATE MALL AND 101 FREEWAY.

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2408 W Crimson Terrace Phoenix, AZ 85085

$649,900

4 Beds

3 Baths

3,252 SqFt

Status Active

MLS # 6697417

Property Type Single Family Residence

Price Type --

4% LOAN ASSUMPTION AVAILABLE! Fabulous 4 bed (plus den & loft) 3 bath two-story home in the family friendly Carefree Crossing. Low HOA is a plus! Nice curb appeal w/ stacked stone accents, desert landscaping & large, healthy shade tree. Great floor plan w/ neutral paint, soaring ceilings & updated lighting/fixtures. Living room/dining room greet you, along w/ versatile French door entry office to your right. Perfect for home office or game/playroom if desired. Family room w/ built in buffet area makes perfect bar space. Open kitchen has plenty of cabinet space, SS appliances & island w/ raised bar top great for serving or extra seating. Breakfast area w/ bay windows looking out to backyard. Downstairs primary room has private sliders to backyard & bathroom w/ dual sinks, seated vanity, soaking tub, glass shower, private toilet, linen pantry & walk-in closet w/ built-in shelving. Second bedroom downstairs is a plus. Upstairs you will find the massive, versatile loft & the other two bedrooms, (one w/ delightful window seat) & a full bathroom w/ dual sinks. Backyard has large, covered patio w/ extended pavers, shade ramada, grassy area & raised planter perimeter, along w/ another great shade tree. Residents are very close to shopping areas to both the north & south & have quick, easy access to I-17. Come check it out today!

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18547 W Oregon Avenue Litchfield Park, AZ 85340

$649,900

4 Beds

2.5 Baths

2,988 SqFt

Status Active

MLS # 6704866

Property Type Single Family Residence

Price Type --

FREE 2-1 BUYDOWN IN THIS RV FRIENDLY COMMUNITY!! Charming and very gently lived in 4 bedroom, 2.5 bath home. This bright and inviting floorplan offers updated faux barn wood plank style tile flooring throughout the entire first floor, a beautifully updated kitchen complete with butler's pantry and upgraded stainless steel appliances, upgraded french door overlooking the lush green back yard, upstairs offers a spacious laundry room for convenience, 3 generously sized guest rooms and a very large master retreat with spacious en suite and his and hers walk in closets. But wait, there's more, also featuring a 3 car tandem garage, RV gate and parking, storage shed, 11,000+sqft lot, large covered patio, fire pit and garden area, this home truly offers something for everyone....don't miss out

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2735 N 145th Avenue Goodyear, AZ 85395

$649,900

6 Beds

3 Baths

3,590 SqFt

Status Active

MLS # 6711546

Property Type Single Family Residence

Price Type --

Step into this stunning, move-in-ready home and discover your perfect retreat in the highly desirable Palm Valley and the amazing amenities it offers. With new paint throughout and new carpet, this home is ready for your personal touches to make it HOME! Home includes 2 bedrooms and a full bath downstairs. Three living spaces are great for entertaining your family and friends. The generous sized lot includes an RV gate and plenty of space for your pool. Stay cool with the low cost solar lease of $62/month. The seller is including a home warranty. Bring your offer and welcome to your new home!

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11133 E Ocaso Avenue Mesa, AZ 85212

$649,900

2 Beds

2 Baths

1,981 SqFt

Status Active

MLS # 6714145

Property Type Single Family Residence

Price Type --

*** THIS IS THE ONE *** Located in the 55+ Community of Sunland Springs Village *** Originally built like the model with all of the interior upgrades *** The Popular 1950 Floor Plan *** Large Front & Back Patio's *** Built-in Back-yard BBQ *** Putting Green *** Outdoor Jacuzi *** Over sized Garage With 4 ft Extension / Built-in Cabinets / Epoxy Floor / Tankless Hot Water Heater / Water Softener *** Large Master Bath With Walk-in Shower *** Let the Pictures Speak for them-selves *** Don't let this one get away!

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7008 E Lynx Wagon Road Prescott Valley, AZ 86314

$649,900

4 Beds

3 Baths

2,655 SqFt

Status Active

MLS # 6733564

Property Type Single Family Residence

Price Type --

Welcome to beautiful Stoneridge. This home has it all. With plenty of space for friends and familyand all the amenities you need. Main level living with additional bedrooms upstairs. The open floor plan invites you to enjoy family gatherings, perfect for entertaining. Enjoy breathtaking views from the large open lot. Walking distance to the golf course, restaurant and parks. Call today before this home is gone!

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2122 W Red Range Way Phoenix, AZ 85085

$649,900

4 Beds

2.5 Baths

2,714 SqFt

Status Active

MLS # 6738188

Property Type Single Family Residence

Price Type --

Welcome to your dream home in a gated community! This beautiful property boasts a gas fireplace in the formal living room, complemented by elegant wood-look tile floors that extend into the family room. The spacious kitchen features double ovens, perfect for any home chef. The split floorplan ensures privacy, with the completely renovated primary bathroom as a luxurious retreat. All secondary bedrooms have new carpet for added comfort. Step outside to an extended paver patio, ideal for entertaining. The home also includes a newly painted exterior, a brand-new Trane AC, a newer water heater, and an epoxy-coated garage floor with built-in cabinets.

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5803 N 88th Lane Glendale, AZ 85305

$649,900

5 Beds

4.5 Baths

3,018 SqFt

Status Active

MLS # 6740942

Property Type Single Family Residence

Price Type --

Welcome to your dream home in Glendale, near the Cardinals Stadium and Westgate. This stunning residence offers five spacious bedrooms and four and a half bathrooms, providing comfort for the entire family. You'll love the elegant design and modern upgrades throughout. The main floor features a grand open-concept living area, perfect for entertaining. The gourmet kitchen boasts top-of-the-line appliances and sleek countertops. Upstairs, a large loft offers versatile space for a home office or playroom. Each bedroom is designed for comfort, offering a peaceful retreat. Inspected and approved by Inspector CYFY Home Inspections, this property meets high standards of quality and safety. Don't miss the chance to own this exceptional home!

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15758 S Maui Circle Arizona City, AZ 85123

$649,900

3 Beds

3 Baths

3,039 SqFt

Status Active

MLS # 6744179

Property Type Single Family Residence

Price Type --

Welcome to this exquisite custom waterfront home with a fully self-contained casita! Nestled in a peaceful cul-de-sac, offering both privacy and luxury living. Main house features an expansive chef-inspired kitchen with a massive island. Enjoy the split floor plan, high ceilings, and a fully enclosed Arizona room with breathtaking water views. The fully self-contained Casita is perfect for guests or multigenerational living, with its own living area, full kitchen, and a private back patio overlooking the water. This one-of-a-kind property combines elegant design, functionality, and serene waterfront living in a highly sought-after location. The spacious, move-in-ready design is complemented by low-maintenance landscaping, apex garage with ample storage adds to the home's convenience. This home also boasts an additional section with private entry, living room, kitchen, bathroom, and bedroom. Don't miss the opportunity to make this stunning property your new home!

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